Daming Crazy Emperor

Chapter 222
This place was originally a mansion of a wealthy family, so naturally there were study rooms, not only that, but also quite luxurious.

Sitting on the expensive mahogany armchair, Taichang felt the exquisite patterns on it, and couldn't help sighing: "Oh, I really didn't expect that the income of the Daming Bank would be so amazing."

Isn't it a good thing to earn a lot of money?
Xin Wang Zhu Youjian couldn't help but cupped his hands and asked: "Father, my son has the courage to ask, isn't it good that the Ming Bank has made more money?"

Hearing this, Taichang couldn't help but shook his head and smiled wryly: "I didn't mean that it's not good to have more income, but I meant that it's not good to share dividends like this. Jianer, have you ever calculated how much of these income is in the internal treasury, and what other semicolons are there?" How much is it?"

Zhu Youjian said without hesitation: "This son-in-law has counted, and now there are 25 semicolons in total. Calculated as [-]% of five, it is exactly [-]%. to make."

Taichang nodded slightly, and then sighed: "50% is 2000 taels. Think about it, the Daming Bank has only been open for less than three months, and the deposit of silver is only more than 50 million taels. The dividend is [-] taels, if the deposit continues to rise to [-] million taels, what is the monthly dividend of the major semicolons, and how much is the annual dividend?"

Zhu Youjian calculated silently, and quickly replied: "If it is calculated by five times, then the monthly dividend of the major semicolons is 250 million taels, and the annual dividend is 3000 million taels."

Taichang nodded, then sighed again and again: "Yes, a year is 3000 million taels, ten years is 20 million taels, 30 years, [-] years? Think about it, how much money is there for the folks? If you divide it like this, Should the business of the merchant continue, and should the farmer continue to live?"

The letter king Zhu Youjian and the head of the state Wu Yangchun were all dumbfounded when they heard the words.

They really didn't think that far, they just saw that Daming Bank was getting more and more profits, so they were so excited that they forgot to sleep and eat.

Wu Yangchun just thought about it for a while, then nodded solemnly and said: "What the emperor said is very true. It is really not possible to divide it like this. It is my negligence. I only look at the benefits in front of me and don't think too far. Alas, in fact, my minister has already It should have been thought of, after these semicolons have made money, they are still thinking about opening the semicolons to nearby state capitals, and they must have counted the dividends in the future."

Xin Wang Zhu Youjian thought about it for a while and realized how serious the matter was. He couldn't help but anxiously said: "Father, what should we do now?"

Yes, what should we do now?

Taichang frowned and pondered for a while, and then said decisively: "Forget about this month, there is not much money anyway, so it's okay to let them taste the sweetness. We can't do this from next month, we must lower their dividends, otherwise it will The money will be earned by them, and only 25 semicolons will account for [-]% of the income, if there are fifty semicolons, then [-]% of the income will be distributed to them!"

[-]% of the proceeds are distributed to others, so their work is not in vain!
Upon hearing this, Zhu Youjian nodded without hesitation and said, "Yes, we must lower their dividends."

But Wu Yangchun asked cautiously: "Your Majesty, how much is the right amount of dividends?"

Taichang thought for a while, and then made a decision: "The principal of Daming Bank is calculated as 1000 million taels, and the first achievement is 50 million taels, and [-] taels can only account for half of the dividends, that is, one thousandth of the dividends. five."

What does this five thousandths mean?
Zhu Youjian couldn't help asking: "Father, what is five thousandths?"

Alas, it seems that mathematics has to be properly promoted.

Taichang patiently explained: "Because the amount of silver is too large, we can't count it as ten or ten. We have to divide it into hundreds, thousands or even ten thousand parts. Five thousandths is one thousand. There are five of them."

Oh, that's what it meant, Zhu Youjian thought about it for a while, then nodded and said: "My son understands."

Wu Yangchun reminded cautiously: "Your Majesty, it seems that five out of the one thousand shares will not work!! You know, twenty semicolons are one hundred shares, and two hundred semicolons will become one thousand shares." Now, almost all the semicolons are talking about rebuilding the semicolon, and they all want to continue to open the semicolon, and open the semicolon to the nearby state capitals and even the counties below.”

These people are positive about making money.

The problem is that money can't let you earn like this!

Taichang shook his head without hesitation and said: "No, we can't open a semicolon for them anymore. These people have worked hard to set up the bank. It's not bad to be able to give them five thousandths of the dividend. If they want more, then It is impossible, in the future, we will open all the semicolons in other places by ourselves, and we can no longer let private individuals pay for dividends.”

this!

Zhu Youjian couldn't help worrying and said: "Father, we are lowering their dividends and not letting them continue to open semicolons. I am afraid they will have great opinions!"

Taichang said lightly: "Any opinion? Yes, return the principal to them and let them go! Whoever has an opinion will accept the semicolon and we will open it ourselves! Jianer, when we should be tough, we must be tough. Think about it, without the guarantee from the imperial court, without the guards we sent, without our wheels to keep sending messages and even transporting silver, if they do it themselves, how can they make money so easily?"

Hearing this, Zhu Youjian was stunned for a moment, then nodded and said: "Yes, if you have any objections, let them leave with the principal, and we won't let them earn this money!"

After all, he is still a child, and it is normal to behave innocently.

Wu Yangchun frowned and thought about it, he is no longer a child, the emperor asked him to take Xin Wang to do business in the bank, but he only looked at the immediate benefits, without foresight, so it must not work.

However, after pondering for a while, he discovered a rather serious and embarrassing problem.

This, should I say it?

After hesitating for a moment, he gritted his teeth and said, "Your Majesty, I have the courage to say that we have lowered the dividends of the major colonies, but the income of the entire bank has not changed. At this moment, it is 100 million taels a month, and in the next month 500 million taels is possible, and that year will be 6000 million taels. If calculated this way, within a dozen or 20 years, wouldn’t the folks have no money? Your Majesty, we can’t use up our resources to catch fish!”

Uh, this question.

When Taichang heard the words, he couldn't help but be stunned.

If you continue to make money like this, it will indeed suck up all the money of the folks very quickly, and the fish will not be able to survive if the fish are exhausted!

What happens if the fish can't live?
Isn't this the same nature as the current feudal king's crazy annexation of land!
He thought about it carefully, then nodded slowly and said: "Well, this is a good reminder. Now the imperial court needs money everywhere, so we have to pump some water. However, in the future, we will not be able to pump like this. How about it, wait With the slaves eliminated and the rebels pacified, we will gradually reduce the fees for deposit and exchange, and eventually, we will handle both for free.”

Ah!
Isn't this going from one extreme to the other?

Not being able to exhaust the water does not mean that you have to trade at a loss!
Wu Yangchun quickly shook his head and said: "Your Majesty, that's not what I mean. If we don't charge money at all, won't we lose money? What I mean is to charge a little less."

However, Taichang smiled slightly and said, "Losing money? How could we lose money? There are no charges for deposit and exchange, and we can borrow money. Think about it, at that time, at least hundreds of millions of deposits, how much interest is borrowed, we will lose money ?"

Indeed, the income from borrowing is not low.

Although there is no uniform interest rate for private lending at the moment, if you borrow 100 taels a year, it must be more than [-] taels of interest.

That is to say, if you lend out hundreds of millions of deposits, you will receive at least 500 million taels of interest a year, which is enough income.

Moreover, the people who borrow money from the Daming Bank must be in order to earn more money, so there will be no problem of exhausting the river. There will be more money.

When Wu Yangchun heard the words, he couldn't help but be convinced and said: "The emperor is wise."

(End of this chapter)